The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$9,878
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,185
−HK$312/mo
Today · 4.125%
HK$10,497
baseline
▲ 0.50% · 4.625%
HK$11,136
+HK$639/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$20,994/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,989
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,284
−HK$299/mo
Today · 4.125%
HK$11,583
baseline
▲ 0.50% · 4.625%
HK$12,193
+HK$610/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,166/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,853
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,222
−HK$375/mo
Today · 4.125%
HK$12,597
baseline
▲ 0.50% · 4.625%
HK$13,363
+HK$766/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,194/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,187
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,540
−HK$359/mo
Today · 4.125%
HK$13,899
baseline
▲ 0.50% · 4.625%
HK$14,632
+HK$733/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,798/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,829
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,259
−HK$437/mo
Today · 4.125%
HK$14,696
baseline
▲ 0.50% · 4.625%
HK$15,590
+HK$894/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,392/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,384
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,797
−HK$419/mo
Today · 4.125%
HK$16,216
baseline
▲ 0.50% · 4.625%
HK$17,070
+HK$854/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,432/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,780
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,333
−HK$562/mo
Today · 4.125%
HK$18,895
baseline
▲ 0.50% · 4.625%
HK$20,045
+HK$1,150/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,790/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,780
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,311
−HK$538/mo
Today · 4.125%
HK$20,849
baseline
▲ 0.50% · 4.625%
HK$21,948
+HK$1,099/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,698/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,979 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).